Chase Ink Business Cash® Credit Card Review
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
Chase Ink Business Cash® Credit Card is a small business credit card with some of the best cash back rewards for office-based businesses. Currently, it offers a $900 introductory bonus cash back reward when you spend $6,000 on purchases in the first three months after opening an account. It also lets you add employee cards for free and set individual spending limits and monitor expenses.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Ink Business Cash® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
How We Evaluate Cash Back Business Credit Cards
When evaluating cash back business credit cards like Chase Ink Business Cash® Credit Card, we consider ongoing rewards as the biggest factor and introductory rewards as the second highest. We also rate the annual fee, introductory and ongoing annual percentage rate (APR), and card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 30 | 30 |
Introductory Rewards | 20 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 10 | 15 |
Introductory APR | 7 | 10 |
Ongoing APR | 7 | 10 |
Total Score | 89 | 100 |
Who Chase Ink Business Cash® Credit Card Is Best For
- Office-based businesses: Business owners can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
- Those needing employee cards: With it, you can add employee cards at no additional cost and set individual employee spending limits.
- Those with additional Chase credit cards: Chase allows you to transfer your Chase Ink Business Cash® Credit Card rewards to another Chase personal or business credit card within the Ultimate Rewards program to receive a higher redemption value when booking travel.
If this card doesn’t fit your needs, check out our guides to the best Chase business credit cards and leading small business credit cards. You can also visit our Credit Card Marketplace to find the right one for your business.
Chase Ink Business Cash® Credit Card Fees
APR
- Introductory: 0% for 12 months on purchases
- Ongoing on purchases and balance transfers: 17.49% to 23.49% variable, which adjusts with the prime rate
- Cash advance: 29.24%, which adjusts with the prime rate
- Penalty: Up to 29.99%, which adjusts with the prime rate. This will be applied to your account indefinitely if you either:
- Failed to make a minimum payment by the date and time that it’s due
- Made a payment that’s returned unpaid
Fees
- Annual: None
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transfer, whichever is greater
- Foreign transaction: 3% for purchases made outside the United States
- Late and return payment: $40
- Return check: None
Chase Ink Business Cash® Credit Card Rewards
- $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, then 1% afterward for every $1 spent with no maximum
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward for every $1 spent with no maximum
- 1% cash back on all other purchases for every $1 spent
You can redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®. Also, cardholders can earn 20,000 points for every referred business approved for the card, and those who refer business owners can earn up to 100,000 points per year.
How To Make Payments on the Chase Ink Business Cash® Credit Card
- Online or Chase Mobile® App Go to chase.com/paycard to sign in and make a payment online. You can also enroll in automatic payments through the website or mobile app, which is available for iOS and Android users. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order—and don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294.
- Western Union: Use the Code City WALNUT when you pay via Western Union. Note that it may take up to seven days for the payment to be reflected in your account.
- Nearest Chase ATM or branch: Find the nearest Chase ATM or branch to pay your bill.
Chase Ink Business Cash® Credit Card Features
Travel and Purchase
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card. Note that coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance
- Roadside dispatch: Call (800) 847-2869 anytime to dispatch the help you need—from a tow or jump-start assistance and a tire change to lockout service, winching, and gas delivery. Note that roadside service fees will be provided when you call and are billed to your card.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: You can also extend the period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Card Management
- Chase Ink®: Gives you 24/7 access to view account details, quarterly reports of up to 24 months of statement details, and more. In addition, Chase Ink® can also help build your business credit through its credit history.
- Separation of business and personal expenses: You can track expenses and maintain records easily for tax reporting and other business needs. Integrate this card with bookkeeping software to simplify accounting.
- Free employee cards: Chase offers free employee cards, lets you set individual spending limits, and helps you earn rewards faster.
Pros & Cons of the Chase Ink Business Cash® Credit Card
| PROS | CONS |
|---|---|
| Lets you earn 5% cash back on the first $25,000 spent on office supplies and internet, cable, and phone services, letting you save as much as $1,250 per year on these expenses | Lacks an interest-free financing option of 0% for balance transfers |
| Has an interest-free financing option of 0% for purchases | Charges a high balance transfer fee |
| Offers a sign-up bonus | Has a high cash advance fee |
Chase Ink Business Cash® Credit Card Alternatives
American Express Blue Business CashTM Card
- American Express Blue Business CashTM Card is our best cash back business credit card
- Offers an interest-free financing option on purchases for the first 12 billing cycles
- With a straightforward 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% after that
- Lacks annual fees, but charges a foreign transaction fee of 2.7% for each transaction after conversion to US dollars
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Chase Ink Business Unlimited®
- Chase Ink Business Unlimited® is our top small business credit card and leading credit card for new businesses with no credit history
- Has an interest-free financing option on purchases for the first 12 billing cycles
- Earn unlimited 1.5% cash back for every $1 spent on any business purchase
- Has a sign-up bonus of $900 cash back after spending $6,000 within the first three months of opening an account
- Doesn’t charge annual fees
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
PNC Cash Rewards® Visa Signature® Business Credit Card
- PNC Cash Rewards® Visa Signature® Business Credit Card is one of our best business credit cards with no annual fee and top-recommended credit cards for real estate agents
- Best for those who carry a balance every billing cycle as it offers an interest-free financing option of 0% on purchases for the first 9 billing cycles
- Offers unlimited 1.5% cash back on all eligible business purchases with no cap on how much cash back you can earn
- Has a sign-up bonus of $400 after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Bottom Line
Chase Ink Business Cash® Credit Card is a great option for those whose expenses come from office supplies, internet, cable, and phone services as it lets you earn 5% cash back on the first $25,000 spent in combined purchases. It lacks annual fees and has an interest-free financing option on purchases for the first 12 billing cycles. However, it charges high balance transfer and cash advance fees and doesn’t offer an interest-free financing option on balance transfers.
If this isn’t the right card for your business, compare these top credit cards to find one that fits the bill.
